Can't-Miss Facts

  • At least eight major companies offer a family legacy auto insurance discount
  • Each company uses different qualification rules to earn this discount
  • On average, expect to save about 7.5% with a family legacy auto insurance discount

Earning a family legacy auto insurance discount can help you save an average of 7.5% on your auto insurance rates.

Keep reading to learn what companies offer affordable family legacy auto insurance discounts.

Compare auto insurance quotes from reputable providers near you by entering your ZIP code into our free rate tool above, and ask about family legacy auto insurance discount rates.

What companies offer a family legacy auto insurance discount?

At least eight national auto insurance companies offer a family legacy discount. There may be local companies in your region that also provide this type of savings.

On average, this discount helps customers save about 7.5% on their annual premiums.

See what major providers offer this discount in the list below:

If all driving-aged members of your family use one of the providers listed above, ask if your family qualifies for additional savings.

The best family legacy auto insurance discount company for one family might not be the same for another. Your ages, driving records, and coverage needs impact your annual premiums.

Therefore, even if you see your provider on the list, you should still consider shopping around and comparing quotes online.

Remember to also ask about other potential auto insurance discounts available to you.

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What is a family legacy auto insurance discount?

A family legacy auto insurance discount is a way for insurance providers to reward you for your customer loyalty.

This type of legacy program essentially provides all family members using the same provider with a slight rate reduction.

According to DataUSA, the average number of vehicles per household is two. Therefore, many families may be eligible for this discount without even realizing it.

However, it’s important to note that each company uses different qualification rules for earning this discount.

Some providers need only one or two family members to use the same company, while others may require your business for multiple generations.

This discount is not the same as the GM Family First legacy discount, which allows family members of GM employees to lease or purchase two eligible vehicles at the GM employee discount rate.

How much is the GM legacy discount? It varies from dealership to dealership. Access your GM Family First authorization number on the company website for more personalized information.

Family Legacy Auto Insurance Discount: The Bottom Line

You should buy family legacy discount auto insurance if your family members all stay loyal to the same auto insurance company.

This discount is an excellent option for families with teen drivers, as it can help lower their already higher-than-average rates.

When you’re ready, enter your ZIP code into our free rate tool below to receive rates from reputable companies near you, and ask about affordable family legacy auto insurance discounts.